I think it all depends on the targets set by Head Office. When I bought the XF they offered me three years free servicing if I took out the minimum finance package, which I think was for £6,000. The only stipulation was that I had to wait until month 7 before paying it off!

They don't mind taking debit cards as the payment is secure, and doesn't cost the dealership anything. Credit cards are another matter as the dealer typically has to pay upwards of 1.5% commission.

I was surprised that the Ford dealerships (one being the main dealer) didn't try to persuade me to go for finance. They did try on the uninsured loss insurance, the Diamond Brite and something else. Par for the course!